PAGIBIG FUND IN PHILIPPINES

A lot of you guys specially the OFW's are not aware that you can avail loans from pagibig in the Philippines specially housing loans. A lot of us are having problem with financing houses that we want to buy so we always resort to banks to provide us financing loans but what we don't know is that we can avail of pagibig loans with low interest and with option to shorten the payment term later on. I've taken interest to post to this blog the programs of our government and how we can avail of these. If you're not a member yet, it's not a problem, all you have to do is apply to become a member pay the membership fee and the equivalent 2 years payment of a member then you can avail of these loans.



Lending Programs


1. PROVIDENT LOAN
1.1 SHORT TERM LOAN (How to apply)

MULTIPURPOSE LOAN
The loan may be used for the following purposes:

Minor Home Improvement
Livelihood
Medical
Educational
Purchase of appliance and furniture
Other immediate needs


SPECIAL STL PROGRAM
CALAMITY LOAN PROGRAM
The Program provides financial assistance to Pag-IBIG member-victims in calamity-stricken areas.



2. HOUSING LOAN


2.1 Retail

a. PAG-IBIG FUND END-USER HOME FINANCING PROGRAM (Pag-IBIG Cir. 247, Guidelines) (April 23, 2009)

b. "ABOT-KAMAY PABAHAY” PROGRAM (Pag-IBIG Cir. 243, Amended Guidelines)

c. GOOD PAYOR INCENTIVE PROGRAM (Pag-IBIG Cir. 229, Implementing Guidelines)

d. "GABAY PABAHAY" PROGRAM (Pag-IBIG Cir. 218)

e.“MAGAANG PABAHAY, DISENTENG BUHAY” PROGRAM (Pag-IBIG Cir. 232, Amended Guidelines ) - The implementation of this program is extended until 30 September 2009

f. RENT-TO-OWN PROGRAM

g. DISPOSITION OF REAL AND OTHER PROPERTIES OWNED OR ACQUIRED (ROPOA) (Pag-IBIG Cir. 200, Amended Policies and Guidelines)

h. SUBSTITUTION/ REPLACEMENT OF CTS ACCOUNTS (Pag-IBIG Cir. 206, Implementing Guidelines)




2.2 Wholesale Lending
Amended Omnibus Guidelines Implementing the Pag-IBIG Takeout Mechanism under the Developers’ CTS/REM Scheme (HDMF Circular No. 259) (April 24, 2009)

Revised Guidelines on the Housing Receivables Financing Facility (HDMF Circular No. 258) (April 24, 2009)

Amended Guidelines on House Construction Financing Line (HDMF Circular No. 257) (April 24, 2009)

Amended Guidelines of the Pag-IBIG City Program (HDMF Circular No. 256) (April 24, 2009)

Revised Guidelines of the Pag-IBIG Program for the Development of Medium/High-Rise Condominium Building (MHRB) Projects in Metro Manila and Highly Urbanized Cities (HDMF Circular No. 255) (April 24, 2009)

Amended Implementing Guidelines For The Pag-Ibig Developmental Housing Loan Program For Local Government Units (HDMF Circular No. 254) (April 24, 2009)

Amended Guidelines Implementing HDMF Direct Developmental Loan Program (HDMF Circular No. 253) (April 24, 2009)

Implementing Guidelines on the Disposal of Pag-IBIG Fund Real and Other Properties Owned or Acquired (ROPOAs) through Joint Venture (HDMF Circular No. 246) (April 24, 2009)

Revised Omnibus Guidelines Implementing The Pag-Ibig Takeout Mechanism Under The Developers’ Cts/Rem Scheme(Pag-IBIG Fund Circular No. 237)

Pag-IBIG TAKEOUT MECHANISM UNDER THE DEVELOPERS' CTS/REM SCHEME (Cir. 212)


a. DEVELOPMENT OF MEDIUM/HIGH-RISE CONDOMINIUM BUILDING (MHRB) PROJECTS IN METRO MANILA AND HIGHLY URBANIZED CITIES (Pag-IBIG Cir. 227)

b. Pag-IBIG CITY PROGRAM

c. CREDIT FACILITY FOR PRIVATE DEVELOPERS

d. GLAD PROGRAM

e. FCL COVERED BY DOMESTIC LETTER OF CREDIT

f. Pag-IBIG HOMES DIRECT FINANCING PROGRAM

for more info visit pagibig website
PAGIBIG FUND

MY FOREX EXPERIENCE

Two weeks ago i got interested in forex. I saw the fxcm platform and i got interested in learning how to trade forex. Their platform has a nice layout and their website is really great with lots of free webinars that can be accessed by anyone. For a newbie like me, I find their site very useful and I learn pretty fast with just few hours of viewing and reading from their website. At least I learned how to open new positions and how to close it, I learned how leverage and margin works and their advantages and disadvantages. I cant mention all the things that I've learned from their website but what I can tell you is that I've learned a lot there. I believe I still have a lot of learning to do so I will continue to visit their website everyday. Im not an affiliate of their company but i just want to share my first trading experience.. My first week of trading didnt go well but I didnt lost a big deal coz i only deposited small amount of money that I can afford to loose but im thinking to add my fund on my account since it wouldnt do good if I dont have sufficient fund to hold my positions..next few weeks if I lost or gained from my forex trading I will post it on this blog..In the meantime I will try my best to learn to use the different indicators in trading forex.




FOREX LINKS

dailyfx
This site is all about free forex news, forecasts, alerts and forex videos and strategies

fxcm
This company offer free demo account. Their platform is one of the best and they also have mt4 platform as an alternative. They have different account types and just check out their website for more info.

instaforex
They offer free demo account and they have demo and live trading contest and they offer cash prizes for the winners. They also add bonus to your live account if you make deposits minimum $100. check their website for more info

oanda
Ideal for beginners


This company require a minimum $1 deposit and they also add bonus for at least $100 deposit to your account.Ideal for beginners


IF YOU WANT TO BE SUCCESSFUL IN FOREX YOU CAN TRY TO USE THESE TWO SOFTWARES..
ONE IS A SIGNAL PROVIDER AND THE OTHER IS A FOREX ROBOT

LMT FORMULA
THIS IS A VERY NEW SYSTEM THAT IS BECOMMING POPULAR TODAY BECAUSE OF IT'S PERFORMANCE
THIS IS NOT A FOREX ROBOT THAT WILL AUTOMATICALLY TRADE FOR YOU. YOU HAVE TO MANUALLY PLACE THE TRADE YOURSELF BUT IT WILL YOU SIGNAL WHEN TO TRADE AND WHAT PAIRS TO TRADE.

Real Money Doubling Forex Robot Fap Turbo
THIS IS A FOREX ROBOT THAT CAN AUTOMATICALLY TRADE FOR YOU. YOU WILL NOT CONSTANTLY SIT INFRONT OF YOUR COMPUTER ALLDAY JUST TO MONITOR YOUR TRADE. JUST INSTALL THE SOFTWARE AND IT WILL TRADE FOR YOU

AW SURVEYS REALLY PAY

There are a lot of scams on internet today well i guess it's the trend today.PTC sites are so numerous that you cant identify which sites are paying or which sites are pure scams..truth is maybe theyre not scams but most of the sites dont pay well and they dont deserve the effort and time you spend with them.. Well for me as of now there is one thing that work for me coz i already got paid one time by them ..well not so bad since i just started joining late of april and i dont really spend too much time and effort with it... what i did is ask my friends to signup free to this site as my refferals then i got paid when i reach the minimum required to widthraw the money..well its up to them if they want to do the same..

what i like about this site is that compared to most sites they pay a lot more than the other numerous sites out there without clicking numerous sites.. besides, asking people you know to signup is easy since registration is free... when you sign up you get instant 6 dollar credit on your account plus 1.25 dollar per friend that signs up and the surveys that you answer pays 4 dollar each so its easy to earn .. YOU CAN ALSO JOIN FOR FREE AND DO THE SAME LIKE WHAT I DID and earn instant cash.. just click on the banner and signup free


$6.00 Welcome Survey After Free Registration!